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How to Lock Your Credit in 2021 – What it Means and Why You Should Consider It

Have you been the victim of identity theft? Do you think you were involved in a data breach online?

You need to protect yourself from criminals looking to harm your credit and use their identity for themselves. You can request a credit lock from all three national credit bureaus and block access to any person or agency trying to do a credit check on you.

How A Parent Can Freeze A Minor’s Credit Usually, children are not the group to be concerned about when it comes to credit scores and reports, but also keep in mind that their credit is a blank slate. Many thieves know it, and if they get the chance to use your child’s identity to open accounts, you may not know until they are an adult!

Organize All Necessary Paperwork

– Your child’s birth certificate or the legal documentation you have showing you have legal guardianship of the child.

Download the Application

Each site has its own process. Follow the directions to get the applications you need. TransUnion has a letter to fill out rather than an application like the other agencies do.

Mail the documents, applications/letters, and wait for a response from each bureau.

Make sure you keep your records organized so you can reaccess them if you need to.

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